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Link untuk melihat laporan Keuangan Panin Bank 2010-2011
http://www.scribd.com/fullscreen/84636940?access_key=key-15i010zqtuj1gc8jbiqo
Analisis Laporan Keuangan panin Bank 2010-2011
|
Rasio
|
Metode
Perhitungan
|
Perhitungan
|
||
 Rasio
Likuiditas
2011 |
2010
|
|||
|
A
|
Current Ratio
|
Ak.Lancar/Hutang Lancar
|
10.423.506/42.989.592 =2.44
|
90.093.852/34.016.822
=2.65
|
|
B
|
Cash Ratio
|
(Kas+Efek)/Hutang Lancar
|
1.193.560+0/42689592
=0.028
|
1.372.777+0/34.016.822
=0.040
|
|
C
|
Quick Ratio
|
(Kas+Efek+Piutang)/ Hutang lancar
|
1.193.560+0+20.083.529/2.268.959
=0,49
|
1.372.777+0+14.211.649/3.401.822
= 0.46
|
|
Rasio Solvabilitas
|
2011
|
2010
|
||
|
A
|
Total Debt To Total Asset
|
Total Hutang/ Total Aktiva
|
90.637.092/10.7862.319 = 0.84
|
79.854.396/9.3455.251 = 0.85
|
|
B
|
Total Debt To Equity Ratio
|
Total Hutang/ Modal Sendiri
|
90.637.092/9.600.000 = 9.44
|
79.854.396/5.900.000 = 13.53
|
|
Rasio Profitabilitas
|
2011
|
2010
|
||
|
A
|
Return On Asset (ROA)
|
Laba Bersih/total Asset * 100%
|
1.489.609/107.862.319 * 100% = 1.38%
|
1.429.654/93.455.251 * 100% =1.53%
|
|
B
|
Return On Equity (ROE)
|
Laba bersih/Modal Sendiri*100%
|
1.489.609/9.600.000*100% = 15.52%
|
1.429.654/5.900.000 * 100% = 24.23%
|
|
C
|
Operational Cost ratio (OCR)
|
Bi.Oprasional/Pendapatan Oprasional
|
3.179.911/1.410.763 = 2.25
|
2.486.022/1.212.854 = 2.05
|
|
D
|
Net Profit Margin ratio (NPM)
|
Laba Bersih/ Pendapatan Op. *100%
|
1.089.985/1.410.763 = 77.26 %
|
1.128.969/1/212/854 *100% = 93.08%
|
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